How does personal finance work?

When you get a personal loan, the lender provides you with the funds to purchase the vehicle for example. For a secured personal loan, the lender will take the security of the vehicle as shown on a PPSR until the loan is repaid in full. You are required to make your repayments on time over the term of the loan that you choose upfront between 1 to 7 years. The lender can have different fees including interest that is charged over and above the amount that you pay for the personal. It's important that you understand what fees and charges are included as part of your loan - speak with your Lending Specialist for more details on this. Once your final payment is made, you will own your vehicle outright and the lender will lift their encumbrance.

How does a personal loan pre-approval work?

Our personal loan pre-approval process costs you nothing and commits you to nothing. We work hard for you to present you with the best personal loan options on the market today that will save you money - then you get to make the final decision on which loan is right for you.

What is a secured personal loan?

A secured personal loan is a loan for which you offer the lender some sort of security, which is usually a vehicle with the same or higher value as the loan. The alternative to a secured personal loan is an unsecured personal loan or personal loan where no security is required. Because this is more risky for the lender, unsecured loans can come with a higher interest rate over secured loans. Sometimes this can be balanced with the flexibility to payout your unsecured loan early without any early payout fees. Speak with your Fox Finance Group Lending Specialist about this for more information on how we can structure this for you.

What are my chances of being approved for a personal loan?

As a finance broker we only win when you win, so we look at every possible legal way to obtain your loan from one of our many lenders. Personal lenders consider things such as: Your current credit rating Your residential status and length of time there Your job and time there Your income The security offered on the loan (if applicable) Your Asset/Liability position Apply online today or speak with a Personal Lending Specialist so we can do all the hard work for you!

Can I get an unsecured personal loan?

Yes, in most cases personal loans will be unsecured. Interest rates for these can be either fixed or variable and are very competitive in today's market. Personal loans can be used for: Holidays, Car Purchases, Jet Skis or Boats, Debt Consolidation, Home Renovations, Wedding Expenses, Furniture and more.

Can I get a secured personal loan?

Yes. Secured personal loans can be used if you don't qualify for an unsecured personal loan. Minimum secured personal loan is $5,000. (Classic, import, prestige vehicles, and older trucks will be considered). The finance will be secured by your vehicle giving the lender a high level of confidence in your willingness to repay the loan.

How long does it take to get my personal loan approved?

Usually just a few hours, however complex or difficult personal loan applications can take a few days. With the wonders of modern technology you can now sign your finance documents online, which makes the process of getting access to your funds much faster. Get a fast personal loan approval online now or speak with a Personal Lending Specialist.

I've got a bad credit rating. Can I still get a personal loan?

Yes. We will always provide you with the most competitive personal loan available. However applicants with high risk, bad credit ratings or ex-bankrupts may try one of the second chance personal loan products available. Second chance lenders are more lenient in their approval process, but this type of loan will have a higher interest rate due to the higher risk.

Are there any costs for my personal loan application?

There are no costs to apply for your personal loan. Once approved, there is a once-off brokerage fee to cover the costs involved with our services including the set-up, approval and/or establishment of your personal loan. Most clients opt to have this cost financed as part of their overall personal finance, which means that you have no initial cost prior to your first repayment. This fee varies based on the complexity and loan amount - so please feel welcome to contact us to get an exact quote for your scenario. Many of our loans have no monthly or ongoing account keeping fees. There is No Fee if Fox Finance Group isn't able get an approval for you or you decide not to proceed with our personal loan approval.

Will my personal loan have an early payout penalty?

Fox Finance Group can arrange several loans options from a panel of 40+ lenders. Some fixed rate personal loan contracts do include an early payout penalty (break cost) and there are also lenders who do not have early payout fees. As part of our service to you, we will fully explain these, and all other terms, prior to you accepting our personal loan offer. Get comprehensive advice by speaking to our Personal Lending Specialists - call us now or apply for a personal loan now - its obligation free.

Does making too many personal loan enquiries affect my credit score?

Yes. Each time to apply for a personal finance it can impact your credit rating. Many lenders see multiple credit inquiries as behaviour of a high-risk customer. This is the exact reason you should use Fox Finance Group; we have the knowledge and experience to get your loan approved with the best Lender the first time – and protect your credit score. We’ll also educate you throughout the process - so you know exactly what your credit score is and what all lenders can see on your credit file.

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About Fox Finance Group

Fox Finance Group is an Australian-owned company that has been helping our customers find the very best loans since 2006.

Our mission is to help borrowers navigate and understand the complexities involved with different lender requirements to find the loan that is perfect for them and their family.

Our verified financier panel includes only the most reputable lenders and banks who are regularly reviewed by our team for price, features and service to ensure they have best options in the market.

Our friendly lending specialists use their experience and knowledge to fight for you, getting you the best possible deal in the industry today.

If you’d like to know how much you qualify for, no problem, speak with us about setting up a loan pre-approval so you know exactly how much you can borrow and repayments will be, even before you commit to proceeding. This is an obligation free service that we provide our customers, so that you have the information needed to make informed decisions about your home finance options.

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Questions? We've got answers!

When you get a personal loan, the lender provides you with the funds to purchase the vehicle for example. For a secured personal loan, the lender will take the security of the vehicle as shown on a PPSR until the loan is repaid in full.

You are required to make your repayments on time over the term of the loan that you choose upfront between 1 to 7 years. The lender can have different fees including interest that is charged over and above the amount that you pay for the personal. It’s important that you understand what fees and charges are included as part of your loan – speak with your Lending Specialist for more details on this.

Once your final payment is made, you will own your vehicle outright and the lender will lift their encumbrance.
Our personal loan pre-approval process costs you nothing and commits you to nothing. We work hard for you to present you with the best personal loan options on the market today that will save you money – then you get to make the final decision on which loan is right for you.
A secured personal loan is a loan for which you offer the lender some sort of security, which is usually a vehicle with the same or higher value as the loan.

The alternative to a secured personal loan is an unsecured personal loan or personal loan where no security is required. Because this is more risky for the lender, unsecured loans can come with a higher interest rate over secured loans. Sometimes this can be balanced with the flexibility to payout your unsecured loan early without any early payout fees. Speak with your Fox Finance Group Lending Specialist about this for more information on how we can structure this for you.
As a finance broker we only win when you win, so we look at every possible legal way to obtain your loan from one of our many lenders. Personal lenders consider things such as:
- Your current credit rating
- Your residential status and length of time there
- Your job and time there
- Your income
- The security offered on the loan (if applicable)
- Your Asset/Liability position
Apply online today or speak with a Personal Lending Specialist so we can do all the hard work for you!
Yes, in most cases personal loans will be unsecured. Interest rates for these can be either fixed or variable and are very competitive in today’s market. Personal loans can be used for: Holidays, Car Purchases, Jet Skis or Boats, Debt Consolidation, Home Renovations, Wedding Expenses, Furniture and more.

Leading 4×4 Fabrication Specialists